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Anu

Anu Krishna  |1813 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 08, 2025

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Asked by Anonymous - Sep 03, 2025Hindi
Relationship

My daughter had love marriage 3 years back. But now she & her husband, both Dictirs are finding many difference in their nature and are unable to adjust with each other. They say that their emotions no longer persist. They are finding difficult to continue as a couple. Can they resolve the issues?

Ans: Dear Anonymous,
It will help if they seek the guidance of an able marriage counselor/therapist. Issues can be resolved if they together feel that they want to work on their marriage.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Anu

Anu Krishna  |1813 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 23, 2023

Asked by Anonymous - May 22, 2023Hindi
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Relationship
Hello Anu, A friend is having trouble in his marriage of 17 years. The wife got into an affair with a neighbor. Once the friend found out, he took his time to consolidate evidence and now after confronting, both have accepted. The husband is too emotional to let go of the happenings and has taken it to heart like anything (6+ months now). They have a 13 year old kid. Both have come to terms with the fact that they need to be together for the kid's sake, but can't seem to come to terms to even talk to each other, staying in the same house. I have suggested them to stay together as parents and not as a couple (at least, till they are able to sort out the future steps) but there seems no way the husband will communicate with the wife in daily routine, and the wife is helpless as she feels morally guilty in saying anything to the husband. Could you suggest some tips on how to get them communicating so that they are able to at least move forward in some direction or the other?
Ans: Dear Anonymous,
When two adults consent to living together for the sake of the child despite what's happened, what's the point in playing EGO games? Will the child not be affected by his parents' drama now when he sees them spitting fire at each other or being passive aggressive? This might be really damaging to him.
Kindly advice your friend and his wife to go through this marriage in a somewhat harmonious fashion 'for the sake of the child' (since it's their decision).

There is nothing that will come out of this display of anger and power on the part of your friend. He is only trying to complain and get his hurt ego massaged and his wife will meekly be quiet knowing that she has caused this situation. How is this helping anyone?

So, if they want to live under one roof for the child's sake, let them do it as mature adults. There has to be a certain code of conduct while they live together as a family. And mind you, this is going to be more than just friendly banter. The boy is 13 and needs his parents more at the cusp of puberty and the parents here are looking out for themselves. If this continues, I would suggest that they think of separation at least till they allow the anger to simmer down. This will also allow the boy to breathe easy.

Go the whole hog; don't keep the foot in two places. It tears the family apart.

All the best to your friend and his family and thank you for caring about them! All the best to you too!

..Read more

Ravi

Ravi Mittal  |740 Answers  |Ask -

Dating, Relationships Expert - Answered on Apr 02, 2024

Asked by Anonymous - Mar 11, 2024Hindi
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Relationship
Hi one of my married friend having 02 children (son approx - 11 yrs and daughter - 8 yrs ). He have a lot of love and care for his family and he take care of every need of the family. But suddenly he fall in love with his companion girl who is single (widow) and have a daughter of 11 yrs approximately. They oftenly meet with each other even have intimate a lot of time. Now he or she only have a relationship which is never acceptable and both of them not want to leave their families. However they just never felt uncomfortable to each other in their personal life and take of each other like husband wife. But my friend afraid of his personal life as if his wife will know their relationship she never accept it. Moreover it will hamper their personal life also. But as of now both females are happy with him coz his wife didn't know about their relationship. Will he still continue the relationship as neither he leave her female partner nor his wife. He takes care of both of them very comfortably. Kindly suggest upon it.
Ans: Dear Anonymous,
I understand that you want to know whether your friend will continue having his extramarital affair. It is difficult for me to tell, but if he is morally okay and guilt free to cheat on his wife, the mother of his two kids, it is possible that he will continue with the relationship until something blows up, i.e., his wife finds out or his girlfriend backs out. I don't see how that is ethically correct from any possible angle.

Best Wishes.

..Read more

Kanchan

Kanchan Rai  |663 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 01, 2024

Asked by Anonymous - Jul 29, 2024Hindi
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Relationship
Let it be an anonymous question Husband and my wife above 65 years had quarrels for various reasons including the fact that her brother's behaviour was quite irritating to .But for the wife he was her favorite one.Initially she too agreed this fact and found out a term a term in English about such behaviour of Brother to Sister's husband.The husband used to make such complaints to her.Finally after so many years of happy life she has hired a flat and staying alone.Initially she used to talk to him.But slowly she started telling if she hears his sound the whole day is gone.She has looked after his mother very well andin the same way he helped her parents.Her mother had a heart attack and escaped.His mother in law told publicly that only because of him she escaped.Even though such good incidents were there the present situation is suchthat theyare staying apart.She is not ready to come back.The husband had already put his best effortsto persuade by sending message,voice messages and personal appology for whatever happened.But she is not ready to come back even though his close relatives talked to her several times.But no use.What is to be done to bring back her and to have happy life.Kindly note that the husband is ready for anything to rebuild life.But she is very adamant that she will not come back.In fact both of them are short tempered .But sometimes her anger goes up like a helicopter.How to rebuild this relationship?How to handle the situation?.
Ans: Rebuilding a relationship when both parties are over 65 and facing significant issues requires patience, understanding, and often professional intervention. Here are some steps that might help in your situation:

First, it's important to acknowledge the depth of the emotional wounds that have been inflicted. Both of you have shared many years together and have supported each other's families, indicating a strong bond that has been strained by recurring conflicts. Recognizing the positive history and expressing gratitude for the past contributions can help set a foundation for reconciliation.

Given that your wife has chosen to live separately and is currently very resistant to communication, it might be helpful to suggest professional counseling. A neutral third party, such as a therapist or marriage counselor, can facilitate conversations in a safe and structured environment. Counseling can help both of you understand the underlying issues, improve communication skills, and work through the anger and resentment that have built up over time.

It’s also crucial to give her space while making it clear that you are committed to working on the relationship. Respect her need for distance, but keep the lines of communication open by occasionally sending thoughtful messages that express your willingness to understand and address her concerns without pressuring her.

Reflect on your behavior and be genuinely open to change. Demonstrating your willingness to work on your own shortcomings can make a significant impact. This might include managing your temper, improving your listening skills, and showing empathy towards her feelings and perspectives.

Involving a close family member or a trusted friend who she respects might also be beneficial. They can act as intermediaries to convey your sincere intentions and help mediate the situation without taking sides.

Lastly, patience is key. Rebuilding trust and repairing a relationship, especially after long-standing issues, takes time. Continue to show her through your actions that you are committed to making positive changes and are willing to put in the effort needed to restore your relationship.

If you both can agree to engage in the process, even if it starts with small steps, there’s hope for reconciliation and rebuilding a happy life together.

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Anu

Anu Krishna  |1813 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 03, 2026

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Ramalingam

Ramalingam Kalirajan  |11456 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 10, 2026

Asked by Anonymous - Sep 10, 2026
Money
I have 15 lacs to Lumsum investment for my daughters higher education.I want to invest in STP in 3 funds .One hybrid Fund which has 15l value and from that STP to two fund Any multicap or Large and Midcap Fund .Please suggest ? Any other Idea will also appriciate.Thanks
Ans: Your approach of using STP for your daughters higher education goal is a good way to move a lump sum into equity gradually. The main point is to match the asset allocation with the time left for the education goal.

» Suggested structure

Keep the Rs.15 lakh initially in a suitable hybrid fund.
Use STP from the hybrid fund into two diversified equity categories.
A combination of Multi Cap and Large & Mid Cap can work well.
You need not use too many funds. Three funds are enough for this goal.

For example:

Hybrid Fund – Rs.15 lakh initially
Multi Cap Fund – STP destination
Large & Mid Cap Fund – STP destination

» How to use STP

I would prefer a systematic STP over a very short period.

If the education goal is more than 5 years away, equity allocation can be meaningful.
The Rs.15 lakh can be shifted gradually over around 12 months.
You can divide the STP between the two equity categories.
Avoid changing funds frequently based on short-term market movements.

STP is mainly useful for managing entry risk. It does not remove market risk.

» Do not ignore the education timeline

This is the most important part.

If higher education is:

More than 10 years away – higher equity allocation can be considered.
Around 5–10 years away – balanced equity and hybrid allocation may be better.
Less than 5 years away – avoid taking high equity risk with the entire corpus.

As the education date comes closer, gradually move the required amount towards safer investments. This protects the money already created.

» Multi Cap vs Large & Mid Cap

Both categories can complement each other.

Multi Cap gives exposure across large, mid and small companies.
Large & Mid Cap gives a relatively stronger focus on large and mid-sized companies.
Combining both can create some overlap, so the portfolio should be reviewed periodically.

I would not select funds only based on the latest 1-year or 3-year returns. Fund quality, portfolio consistency, risk management and long-term performance matter more.

» One alternative idea

Instead of keeping the complete Rs.15 lakh in one hybrid fund, you can also consider a two-stage approach.

Keep the amount in a suitable hybrid/debt-oriented allocation initially.
Start STP into diversified equity funds.
Once the required equity allocation is reached, stop the STP.
Continue monitoring the overall portfolio rather than continuously adding new funds.

This keeps the portfolio simple and easier to manage.

» 360-degree education planning

The Rs.15 lakh should not be viewed separately.

Also consider:

Current age of your daughter.
Expected year of higher education.
India or overseas education.
Present education cost and future cost.
Other investments already available for this goal.
Your monthly SIP capacity.
Emergency fund and adequate insurance.
A separate safe corpus as the education date gets closer.

If the goal is 8–12 years away, this Rs.15 lakh can become a strong foundation. Regular SIPs along with it can make the education corpus much stronger.

» Final Insights

Your basic STP idea is sensible. I would prefer a simple 3-fund structure rather than holding many schemes.

The exact equity allocation and STP period should depend mainly on your daughters age and when the higher education money will actually be required.

As an AMFI-Registered MFD, I would also suggest reviewing this goal at least once a year and reducing equity exposure as the goal approaches.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

...Read more

Anu

Anu Krishna  |1813 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 08, 2026

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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